Filing Flows › Universal Insurance Holdings (UVE) › Q3 2025
Universal Insurance Holdings (UVE) Q3 2025 earnings results (third quarter 2025)
10-Q filed Oct 30, 2025
Universal Insurance Holdings (UVE) reported revenue of $401M for the third quarter 2025 (Q3 2025), +3% from a year earlier and +0.2% from the quarter before. Operating margin was 13.6%, net earnings $39.8M (9.9% of revenue).
Universal Insurance Holdings, Q3 2025: revenue $401M (+4% year over year), operating margin 13.6%, net earnings $39.8M, operating cash flow $62.4M. The chart follows the revenue to costs, profit and cash.
| Q3 2025 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $401M | +0.2% | +3% |
| Operating profit | $54.4M | +13% | — |
| Net earnings | $39.8M | +13% | — |
| Operating cash flow | $62.4M | -41% | -24% |
| Free cash flow | $61.3M | -42% | -24% |
What changed
Revenue was $401.0M in Q3 2025, up 3% year over year and roughly flat from the previous quarter.
Operating profit was $54.4M, a 13.6% margin (up 17.8 points year over year). Total costs fell 14% while revenue rose 3%. Net earnings were $39.8M. The effective tax rate was 24.5%.
Operating cash flow was $62.4M (down 24% year over year), 157% of net earnings. Non-cash charges added back $50K of depreciation. Working capital and other items added $22.5M. Capital expenditures of $1.2M left free cash flow of $61.3M.
Questions
What was Universal Insurance Holdings' revenue in the third quarter 2025?
Universal Insurance Holdings (UVE) reported revenue of $401M for the third quarter 2025 (Q3 2025), +3% from a year earlier and +0.2% from the quarter before.
Was Universal Insurance Holdings profitable in the third quarter 2025?
Operating profit was $54.4M (13.6% of revenue) and net earnings $39.8M.